Banking

Compare 100% Mortgages

Compare 100% Mortgages Compare our selection of 100% mortgage deals in the table below. If you do not have a deposit for a home, a 100% mortgage might be something to consider. While they are not as readily available as in previous years our mortgage advisors can help you find one. We have access to

Claire Jamieson - Banking

Compare Current Accounts

Compare Current Accounts Compare our selection of current accounts in the table below. Whether you are looking to switch to a new current account, open up a high interest current account or find the best cashback and rewards current account we’ve found the top deals available in the UK. When you find the current account

Emily Weston - Banking

Compare Secured Loans

Compare Secured Loans Use the table below to compare popular Secured loans. Also known as second-charge mortgages or ‘homeowner loans’ they could be a good way to borrow large sums at a potentially lower interest rate. Secured loans are secured against your home. Do not take out a secured loan unless you are sure you

Emily Weston - Banking

Compare Personal Loans

Compare Personal Loans Use the table below to compare personal loans, unsecured loans and short-term loans. You can compare the interest rates on personal loans between £100 and £25,000 and repayment terms between 1 month and 5 years. We’ve teamed up with Choose Wisely to provide this comparison service. When you find a deal you

Emily Weston - Banking

Compare Credit Cards

Compare Credit Cards Compare our selection of credit card deals in the table below. Whether you are looking for a balance transfer card, a 0% purchase card, a cashback or a rewards card we’ve found the top deals available in the UK. When you find the card you are looking for click on the “see

Claire Jamieson - Banking

Your credit rating’s incredibly important. Basically, it determines how likely you are to be given credit when you apply for it – which covers everything from an extension to your overdraft, to applying for a credit card, to getting a mortgage. Your credit rating is supposed to show how risky a prospect you are when it comes to granting you credit. It’s determined by you past history of repaying debts properly on time, whether you have any County Court Judgements against your name and a variety of other things. Improving your credit score is essential for your long term financial stability, which is why we’ve compiled a handy list of tips below to help you do just that. 1. Pay debts on time Any time you miss a payment on a debt you owe, it’s recorded on your credit file and negatively impacts your credit rating. The single best thing you can do to build and maintain a good credit rating is make sure you pay your debts in full and on time. 2. Stop applying for credit Applying for a lot of credit at once makes it look as though you’re desperate for credit, which automatically rings alarm bells for lenders. If you’ve made a string of applications recently, try to give it some time before you make any more, to make sure your credit rating doesn’t suffer. 3. Get on the electoral register If you’re on the electoral register it means that lenders can verify that you live where you say you do, which gives them peace of mind and ultimately improves your credit rating. Getting on the electoral register is incredibly simple and can be done online in a matter of minutes. 4. Cancel unused credit cards When establishing whether you should be given credit, lenders will look at the amount of credit you have available to you and use that in their decision. If you’re not using your credit facilities on a regular basis, they’re less likely to approve your application. Cancel unused credit cards to give your credit rating a boost. 5. Use a prepaid credit card Some prepaid credit cards have a credit builder option. This usually means that the credit company will lend you £60 for you to pay off in twelve monthly instalments of £5 each (excluding fees). If you make all your repayments on time, this will show up on your credit report as twelve successful monthly repayments. This can be a great option if you’ve struggled with a poor credit rating or bad debts before. 6. Time your credit applications How often you apply for credit makes a real difference to your rating. It’s worth planning your applications in advance – so if you know you’re about to apply for a mortgage, do that before you take out a new phone contract. Prioritising is important to keeping your credit rating healthy. 7. Save save save! If some of your savings are able to cover your debts, that helps show lenders that your debt is at a manageable level and that you’re a less risky option when it comes to granting you further credit – the more savings you have the better!

Compare Savings Accounts

Compare Savings Accounts Compare our selection of savings accounts in the table below. Whether you are looking for an instant access account, a fixed term bond, a cash ISA or an investment ISA we’ve found the top deals available in the UK. When you find the savings plan you are looking for click on the

Jon Stones - Banking

Compare Mortgages

Compare Mortgages Compare our selection of mortgage deals in the table below. Whether you are looking for a first-time mortgage, a remortgage or a buy to let mortgage we provide you with an independent service to help you find the right mortgage. We have access to thousands of mortgages from all major UK lenders. Send

Claire Jamieson - Banking

Compare Buy To Let Mortgages

Compare Buy To Let Mortgages Compare our selection of buy to let mortgage deals in the table below. We work with the UK’s best mortgage brokers to provide you with an independent service to help you find the right mortgage. We have access to thousands of mortgages from all major UK lenders. Send us an

Emily Weston - Banking

Compare First Time Buyer Mortgages

Compare First Time Buyer Mortgages Compare our selection of first time buyer mortgage deals in the table below. We provide you with an independent service to help you find the right mortgage. We have access to thousands of mortgages from all major UK lenders. Send us an enquiry or call us on 01274 271 599

Claire Jamieson - Banking

Compare Credit Building Cards

Compare Credit Building Cards Compare our selection of credit building card deals in the table below. These credit cards are aimed at those looking for their first credit card and those wishing to rebuild and improve their credit rating. When you find the card you are looking for click on the “see deal” button to

Claire Jamieson - Banking